Fortuneo vs BoursoBank:
The 2026 Bonus Clash
Hesitating between the two online banking leaders? We decipher the hidden conditions, fees, and above all: where to get the biggest referral bonus.
Parrainage Hub
Updated on February 1, 2026
At a glance
| Criteria | Fortuneo | BoursoBank |
|---|---|---|
| Referral Bonus (Average) | €130 - €150 | €80 - €110 (up to €220 on WE) |
| Standard Card | Fosfo (Free with no conditions) | Welcome (Free with no conditions) |
| Premium Card | Gold Mastercard (Free if €1800 income) | Ultim (Free, no income conditions) |
| Fees abroad | 0% everywhere (even free card) | 0% (with Ultim card) |
| Action required for bonus | 1 card payment | 1 card payment |
Fortuneo: The queen of the Free Gold card
Fortuneo is often considered the most "generous" bank in the long run. Its major asset is the free Gold Mastercard. Unlike BoursoBank's Ultim card which requires systematic authorization, the Fortuneo Gold is a "real" credit card (deferred debit possible), essential for renting a car abroad.
The Pros
- Free ephemeral virtual card (great for security).
- Zero fees abroad, even with the basic Fosfo card.
- Welcome bonus is often more stable and higher.
The Cons
- Income conditions for the Gold (€1800 net/month).
- Mobile app slightly less modern than Bourso's.
💰 Current Fortuneo Offer
Conditions: Opening with Gold Mastercard and referral code
See the Fortuneo codeBoursoBank: The user experience champion
BoursoBank (formerly Boursorama) is the undisputed leader in number of clients. Why? Its app is ultra-smooth, opening an account takes exactly 5 minutes, and it accepts everyone without income conditions thanks to its Ultim offer.
The Pros
- Excellent interface and App (Apple Pay, aggregator...).
- "Pink Weekends": bonuses that skyrocket 1x per month.
- The Corner: cashback and discounts on many brands.
The Cons
- The Ultim card requires systematic authorization (sometimes refused at tolls/hotels).
- Customer service can sometimes be hard to reach by phone.
⚡ Current BoursoBank Offer
Varies depending on "Pink Weekend" periods
Find a Bourso code🏆 The 2026 Verdict
👉 Choose Fortuneo if...
You travel a lot, you want a real free Gold Mastercard for insurance and car rentals, and you earn more than €1800/month. It's the choice for peace of mind and the biggest immediate bonus.
👉 Choose BoursoBank if...
You want the most modern app, you don't want to prove your income, or you are a student. It's also the best choice if you wait for a Pink Weekend to maximize your earnings.
Frequently Asked Questions
Can you open an account in both banks?
Yes, absolutely! It's even a strategy recommended by "bonus hunters". You can combine both welcome bonuses (around €250 to €300 in total) and test both services for free. No law forbids you from having multiple accounts.
How long do I need to keep the account open?
Generally, the terms and conditions require keeping the account open for at least 1 year. If you close the account before, the bank reserves the right to take back the bonus amount. Since the accounts are free, you just need to leave them open.
Transparency: Access Open Data - Raw list of all referenced offers.